5219 Hammock Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5219 Hammock Cir, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,219 sqft · built 1995
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$573,500 (Mar 2025)
Tax Bill	$3,741 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Mar 2025 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`89825`

Property Details

APN / Parcel Number

Primary APN	`89825`
Alternative APN	`052531332500010470`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,219 sqft Heated Area
Gross Area	3,122 sqft
1st Floor Area	2,219 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	118 ft deep x 85 ft wide
Garage Type	Finished
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	399 sqft
Deck Area	674 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	89825
Street Address	5219 HAMMOCK CIR
City	SAINT CLOUD
State	FL
Zip	34771-8766
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMMOCK POINTE PB 7 PG 174 LOT 47
Legal Range	31E
Legal Township	25S
Legal Section	05
Legal Subdivision	HAMMOCK POINTE
Legal Tract	3325
Legal Block	1
Legal Lot Number	47
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1020
Census Tract	43600

Owner

Source: Osceola County records · APN 89825

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	5219 HAMMOCK CIR, SAINT CLOUD, FL 34771-8766
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN LIBERTY MORTGAGE INC
Mar 28, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 09, 2017	Warranty Deed, Transfer · Conventional Mortgage AMERICAN LIBERTY MORTGAGE INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 28, 2025 · Amount on Record
Deed Sale	Mar 28, 2025 · Amount on Record
Prior Sale	Oct 09, 2017 · Amount on Record
Deed Document Number	2025038523
Deed Book / Page	6761 / 202
Record Updated	Jun 08, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5219 HAMMOCK CIR, SAINT CLOUD, FL 34771-8766
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5219 HAMMOCK CIR, SAINT CLOUD, FL 34771-8766

Mortgage

Document Number	0058692909
Date	Jan 13, 2021
Book Page	5869/2909
Instrument	2021005513

Lender

Name	AMERICAN LIBERTY MORTGAGE INC
Type	Mortgage Company
Address	DENVER, CO 80211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 28, 2025
Property Address	5219 HAMMOCK CIR, SAINT CLOUD, FL 34771-8766
Document Number	0067610202
Book / Page	6761 / 202
Map Reference	MB 7 PG 174
Instrument Date	Mar 25, 2025
Instrument	2025038523
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ALLIED TITLE AND ESCROW LLC, ALLIED TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,014.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	244 HUNTS RIDGE DR, CLEVELAND, GA 30528-6844

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5219 HAMMOCK CIR, SAINT CLOUD, FL 34771-8766

Mortgage

Document Number	0006761204
Date	Mar 28, 2025
Instrument	6761/204

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2055

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 09, 2017
Property Address	5219 HAMMOCK CIR, SAINT CLOUD, FL 34771-8766
Document Number	0052202462
Book / Page	5220 / 2462
Map Reference	MB7 PG174
Instrument Date	Oct 04, 2017
Instrument	2017144207
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	VOLUSIA TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1426 N WOODLAND BLVD, 1426, DELAND, FL 32720-2260

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5219 HAMMOCK CIR, SAINT CLOUD, FL 34771-8766

Mortgage

Document Number	0052202464
Date	Oct 09, 2017
Instrument	5220/2464

Lender

Name	AMERICAN LIBERTY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,741.00 (+7.75%) Homeowner's exemption	$242,337 (+5.99%)	$468,300 (+16.9%) Land $95,000 Building $373,300
2023	$3,472.00 (+5.63%) Homeowner's exemption	$228,649 (+3%)	$400,600 (+18.07%) Land $95,000 Building $305,600
2022	$3,287.00 Homeowner's exemption	$221,990	$339,300 Land $75,000 Building $264,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 278 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 17% of Florida
Wildfire Likelihood	About 1 in 1,351 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 160 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250

May also be available at this address: Spectrum, Lumen Technologies, AT&T, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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